Certificates Of Deposit

Bankrate provides comparison tools, educational content, and the latest rate news to help you find the best CD offer.

Explore CD basics

Certificates of deposit offer peace of mind, but they’re not without some drawbacks.

Taxes on CD interest aren’t always clear-cut. Here’s what you need to know.

A CD ladder lets savers benefit from higher rates without locking up all your money in long-term CDs.

Stay updated on CD rate trends

NEWS

How Fed decisions impact CD rates

The Federal Reserve cut rates in September. If you have the funds for a CD, find out if you should commit right now and how today's rates compare to inflation.

CDS

CD rates forecast for 2024

CD investors continue to benefit from strong yields, while inflation gradually slows. Here's what you need to know before the year ends.

CDS

Historical rate trends

Discover how CD interest rates have changed from 1984 to present and what we can learn from analyzing historical economic data.

WEEKLY

Current CD interest rates

Read up on top available rates and national average trends over time from Bankrate’s weekly survey of banks and credit unions.

Weekly CD Rates

Bankrate consistently has offers well above the national average to help you earn more on your savings.

See our top CD rates

Bankrate Partner Average

The "Bankrate Partner average" is calculated from the average of the top savings account offers from the institutions we track, included on this page as of 12/25/2025. "National average" is determined by Bankrate's comprehensive national survey of savings accounts and CDs.

3.65^%_APY

National Average

1.92^%_APY

Experts in all things banking

Our expert writers and editors bring you timely news and reliable information - backed by data and first-hand experience.

About Bankrate's team

Stephen Kates, CFP

Bankrate Financial Analyst

Sarah Foster

Principal U.S. Economy Reporter

Mark Hamrick

Senior Economic Analyst

Calculate your estimated CD earnings

Enter your deposit amount along with the term and APY of the CD you are considering. See how much you could save when your CD reaches maturity.

Learn more

Latest articles

Check out the latest CD rates from Bankrate’s weekly survey of banks and thrifts.

Currently, you can lock in annual percentage yields (APYs) on certificates of deposit (CDs) at and slightly above 4% with many nationally available CDs. Only a select few financial institutions offer promotional [...]

A one-year CD can be a safe and worthwhile option, especially turning to high-yielding online banks or credit unions.

A graph showing an upward trend from 2025 to 2026. The trendline is made of cash

If you have $10,000 to invest in a CD right now, here’s how much you could earn.

Man working on laptop and cellphone simultaneously

If you’ve been thinking of getting a longer-term CD, you may want to make a move.

Percent symbol with people holding money that is many dollar bills. Concepts of the banking system, rising interest rates, inflation, deflation, and savings.

Here’s how to proceed when your CD matures during falling rates.

CDs can be a useful tool to save, but make sure to shop around for the right kind and bank for you.

Shot of a young businesswoman using a digital tablet outside of an office

Learn how you can lose money on a CD.

The Federal Reserve’s decisions have ripple effects, including for mortgages.

Does the Fed interest rate affect car loans? Yes, it does: It has a domino effect that can raise or lower auto loan rates.

The Federal Reserve just lowered interest rates for the first time in four years.

A Black couple talk to a salesperson at a car dealership.

Auto rates will likely not decrease this year. Consider how to still save.

If you’re looking at HE loans or have a variable-rate line of credit, pay attention to the Fed.

The Fed’s rate hold means loans costs are sticking. Here’s what it means for your business.

Federal Reserve Eccles Building illustration

Bankrate analyzed the Fed’s historic rate moves for clues on what might come next.

U.S. Federal Reserve Chairman Jerome Powell delivers remarks at a news conference.

The best way for most investors to approach this type of market is to stick to their long-term plan.

Stylized image of Trump wearing a Maga hat pointing to the left above the Federal Trade building.

If the Fed’s independence is jeopardized, here’s what experts say it could mean for your wallet.

Green banking is an environmental movement. There are a number of ways consumers can make adjustments to their banking to help the environment.

Older woman and child putting pennies in a jar

We all use our checking accounts for the basic purposes — direct deposit of our paychecks, paying monthly bills and making debit card purchases. And while usually you’re seeing money leave your checking [...]

Financial markets may drop lower, but APYs on high-yield savings remain high.

If you have over $25,000 in your savings account, consider these strategies.

Stay on top of your money with the right balance between your checking and savings.

Image by Getty Images, Illustrated by Bankrate

Tariffs could cost households $3,800 in 2025. Discover smart budgeting strategies to offset rising prices on consumer goods.

Ever heard of a neobank? If not, here’s what you need to know.

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